Protect your small business with insurance tailored to your operations, assets, and day-to-day risks. Running a small business in Ontario means balancing growth with risk. From property damage and lawsuits to equipment breakdowns and unexpected interruptions, one incident can disrupt operations—or threaten your bottom line. Small business insurance provides the protection you need to stay resilient. Regal Insurance compares quotes from Canada’s top commercial insurers to help you secure coverage that fits your business model, industry, and budget.
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Small business insurance protects your company from the financial impact of accidents, liability claims, equipment failures, and property damage. Whether you operate from a storefront, a home office, a warehouse, or a mobile setup, you’re exposed to risks that can halt operations or drain cash reserves—often without warning.
As an independent brokerage, Regal Insurance works for you—not the insurance companies. We compare quotes from Canada’s leading business insurers to help you find coverage that fits your operations, protects your assets, and supports your long-term growth.
From startups and trades to retail shops and professional services, we help Ontario business owners protect what they’ve built—so they can stay focused on growth.
Reach out today for your free small business insurance quote.
From protecting your physical space to securing your operations, Regal Insurance offers tailored business insurance solutions across industries. Explore our most popular commercial insurance products below to build a coverage plan that fits your unique business.
Protects your business against third-party injury, property damage, and legal claims—an essential layer for any operation.
Covers lost income if your business is forced to temporarily close due to insured events like fire or equipment breakdown.
Whether you operate a single service van or a full delivery fleet, we offer coverage that keeps your vehicles and drivers protected.
Tailored protection for trades like construction, plumbing, electrical, roofing, and more—including tools, liability, and job site coverage.
Protects your business from data breaches, cyberattacks, and privacy claims with dedicated digital risk coverage.
Helps cover the repair or replacement of critical machinery after mechanical or electrical failure.
Covers legal costs and damages if your product or service causes harm, loss, or injury.
Specialized coverage for commercial landlords, property managers, and vacant landowners across Ontario.
Insurance packages designed for storefronts, restaurants, spas, and hotels—covering everything from inventory to liability.
Commercial insurance doesn’t need to be confusing. At Regal Insurance, we simplify the process by comparing quotes from top Canadian providers to find the right protection for your business, assets, and operations.
As an independent brokerage, we work for you, not the insurance companies. Our licensed Ontario brokers understand local regulations, industry risks, and what matters most to business owners like you.
From small startups to multi-location operations, we proudly support businesses across Ontario—including Kitchener, London, Mount Brydges, Cambridge, and Oakville.
About UsConnect with our brokers for customized insurance solutions that outdo big providers. Specializing in Ontario commercial insurance, we compare Canada’s top insurers to ensure you receive the right coverage at the best possible price.
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Small business insurance protects your company from the financial fallout of unexpected events—everything from fires and equipment breakdowns to customer injuries and product-related claims. Without proper coverage, even a minor incident can lead to steep out-of-pocket costs or operational downtime.
Consider a few real-world small business scenarios. A customer slips in your shop and files a lawsuit—liability coverage protects you. A burst pipe damages inventory—property coverage helps you recover. Or if a power surge destroys essential equipment, equipment breakdown coverage helps repair or replace what’s needed to keep operations running. Without a dedicated policy, many of these losses fall directly on the business owner.
Small business insurance closes these gaps, protecting your assets, operations, and revenue so you can run your business with confidence.
Protects your building, leased space, inventory, equipment, furniture, and supplies from fire, theft, water damage, and other insured events. For example, if a break-in leads to stolen equipment, property coverage helps you replace it without derailing operations.
Covers legal expenses, medical bills, and settlements if a customer or third party is injured or their property is damaged due to your operations. If a customer slips inside your business or a contractor damages a client’s property, CGL ensures you’re protected.
If a fire, flood, or insured event forces you to temporarily close, business interruption insurance replaces lost income and helps cover ongoing expenses like rent and utilities until operations resume.
Protects essential machinery and systems—such as HVAC units, POS systems, manufacturing equipment, or refrigeration—from sudden internal failure. If a breakdown halts operations, this coverage helps you repair or replace critical equipment quickly.
Covers data breaches, ransomware attacks, phishing losses, and compromised customer information. Essential for businesses handling payments, client data, or online operations.
Protects service-based businesses—such as consultants, designers, advisors, or health professionals—from claims of negligence, misrepresentation, or failure to deliver services as promised.
Provides protection for business-owned vehicles or vehicles used for deliveries, service calls, or transportation. Includes liability, accident benefits, and physical damage coverage.
Protects businesses that manufacture, sell, or distribute products. If a product you sell causes injury, illness, or property damage, this coverage helps cover legal defense, settlements, and claims.
We partner with Canada’s top auto insurance providers so you can compare quotes side by side, choose the best coverage for your needs, and lock in a competitive rate, without the hassle.
Small business insurance doesn’t need to strain your operating budget. With the right strategy, Ontario business owners can secure strong protection without overspending. Regal brokers help tailor your policy to your industry, operations, and risk exposure so you get maximum value at a competitive rate.
Combine commercial property, liability, auto, or cyber coverage with the same insurer to unlock multi-policy discounts and simplified administration.
Selecting a higher deductible can lower your premium. This works well for low-frequency, higher-severity risks where you can comfortably absorb a larger deductible if needed.
Security systems, fire suppression equipment, staff training, and safety protocols reduce claims risk—and insurers reward those steps with better pricing.
Ensure your policy aligns with your actual business model. Avoid insuring equipment or services you no longer offer, and update your policy as your business evolves.
As your business grows or changes direction, your coverage needs shift. Regular reviews help eliminate unnecessary coverage and optimize your policy for cost efficiency.
Want more insights on how to reduce insurance costs for your business? Visit our Help Centre to explore practical guides on policy optimization, risk management, and commercial insurance best practices.
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Small business insurance protects your company from financial loss due to liability claims, property damage, equipment breakdowns, and operational disruptions. It typically includes:
Without small business insurance, many losses fall directly on the business owner.
No, most small business insurance policies are not legally required. However, certain industries, contracts, or landlords may require proof of insurance—especially liability or professional liability coverage. Even when not mandatory, carrying insurance is a prudent safeguard.
Any Ontario business that serves customers, owns equipment, or interacts with the public should consider small business insurance. This includes:
Any business—large or small—can face liability claims or property losses.
Costs vary widely depending on your industry, size, equipment, and risk. Many small businesses pay between $500–$2,500 per year, while high-risk trades or businesses with specialized equipment may pay more. Optional coverages like cyber or professional liability also influence cost.
Several factors impact cost, including:
A broker can help tailor coverage to your business’s exact risk profile.
Yes. Strategies include:
Working with a broker helps ensure smart cost savings without sacrificing coverage.
General liability insurance is one component of a small business insurance package. It covers bodily injury and property damage to third parties. Small business insurance, however, includes property coverage, business interruption, equipment protection, and optional add-ons tailored to your operations.
Both work together to protect your business from different types of risk.
Yes. General liability insurance covers injuries or damages involving customers, clients, or suppliers who visit your business. For example, if a customer slips on a wet floor, liability coverage pays for medical expenses and legal costs.
Without this coverage, you could be personally responsible for claims.
Yes—if you include cyber liability insurance. This add-on protects your business from data breaches, ransomware, phishing losses, and compromised customer information. It’s essential for businesses that store digital data or process online payments.
Most small businesses choose:
A broker can assess the right limits for your specific business.
Yes. Bundling small business insurance with commercial auto, cyber, or property policies often results in discounted rates and simplified renewals. Multi-policy bundles can significantly reduce annual costs.
Absolutely. Regal Insurance offers personalized guidance through licensed Ontario brokers. Whether you’re reviewing your policy, adjusting limits, or planning for future growth, our team is available by phone, email, or in-person meeting.
We’re here to help your business stay protected and resilient.
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